Hoyne Bancorp, Inc. (HYNE) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Hoyne Bancorp, Inc. (HYNE) trades at $16.54 with AI Score 37/100 (Grade D). Hoyne Bancorp, Inc. operates as the holding company for Hoyne Savings Bank, providing a range of financial products and services. Market cap: $123M, Sector: Financial services.
Price as of Aug 20, 2026 · Last analyzed: May 9, 2026Analyst Coverage for HYNE: HYNE does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates HYNE against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
HYNE: 2/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Hoyne Bancorp, Inc. (HYNE) Financial Services Profile
Hoyne Bancorp, Inc., founded in 1887, operates as the bank holding company for Hoyne Savings Bank, offering financial products like deposit accounts and commercial real estate loans. With a $123M market cap and a presence in the Chicago area, Hoyne navigates the competitive regional banking sector.
What Is the Investment Thesis for HYNE?
Hoyne Bancorp, Inc. presents a focused investment case centered on its established presence in the Chicago regional banking market. With a market capitalization of $123M and a P/E ratio of 541.9, the company's valuation reflects both its growth potential and current profitability challenges, indicated by a 1.0% profit margin. Key value drivers include its diversified loan portfolio, encompassing commercial real estate and consumer loans, and its deposit-gathering capabilities through Hoyne Savings Bank. Upcoming catalysts include potential improvements in operational efficiency and strategic initiatives to enhance profitability. However, potential risks include the competitive landscape of the regional banking sector and the impact of interest rate fluctuations on its lending operations. Investors may want to evaluate these factors when evaluating Hoyne Bancorp's long-term growth prospects.
Based on FMP financials and quantitative analysis
HYNE Key Highlights
Market Cap of $123M reflects its size within the regional banking sector.
- P/E Ratio of 541.9 indicates a high valuation relative to earnings, suggesting investor expectations of future growth.
- Profit Margin of 1.0% highlights current profitability challenges and opportunities for improvement.
- Gross Margin of 68.4% demonstrates the efficiency of its core banking operations.
- Beta of -0.06 suggests low volatility compared to the overall market, potentially offering stability in turbulent times.
Who Are HYNE's Competitors?
HYNE is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| EBC Eastern Bankshares, Inc. | $22.74 | -1.17% | $5.26B | 89 |
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HYNE's Key Strengths?
Long-standing history and reputation in the Chicago area.
- Diversified loan portfolio.
- Strong customer relationships.
- Local market expertise.
What Are HYNE's Weaknesses?
Small market capitalization.
- Low profit margin.
- Limited geographic reach.
- High P/E ratio.
What Could Drive HYNE Stock Higher?
Potential improvements in operational efficiency to enhance profitability.
- Strategic initiatives to expand commercial lending activities.
- Enhancement of digital banking services to attract and retain customers.
- Focus on local market expertise and personalized customer service.
What Are the Key Risks for HYNE?
Financial-distress signal — its Altman Z-Score of 0.64 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-0.2%) — the business is not currently generating profit on shareholder capital.
- Rich valuation — a P/E of 541.9 runs well above the Financial Services sector’s ~18x, leaving little room for a miss.
- Competition from larger national banks and online lenders.
- Interest rate fluctuations affecting lending margins.
- Regulatory changes impacting banking operations.
- Economic downturns reducing loan demand and increasing credit risk.
What Are the Growth Opportunities for HYNE?
- Expansion of Digital Banking Services: Hoyne Bancorp can capitalize on the increasing demand for digital banking solutions by enhancing its online and mobile platforms. This includes offering user-friendly interfaces, mobile deposit options, and online loan applications. The market for digital banking is projected to grow significantly, with a potential to increase customer acquisition and retention rates. Timeline: Within the next 1-2 years, Hoyne can implement these enhancements to compete effectively with larger banks and fintech companies.
- Strategic Partnerships with Fintech Companies: Collaborating with fintech companies can provide Hoyne Bancorp with access to innovative technologies and services, such as AI-powered loan underwriting and personalized financial advice. These partnerships can improve operational efficiency, enhance customer experience, and expand product offerings. The fintech market is rapidly evolving, offering numerous opportunities for collaboration. Timeline: Hoyne can explore and establish strategic partnerships within the next 12-18 months to leverage fintech advancements.
- Increased Focus on Commercial Lending: Expanding its commercial lending portfolio, particularly in areas like commercial real estate and industrial loans, can drive revenue growth for Hoyne Bancorp. By targeting small and medium-sized businesses in the Chicago area, Hoyne can capitalize on the demand for local business financing. The commercial lending market is expected to grow as the economy recovers. Timeline: Hoyne can implement targeted marketing and outreach strategies within the next 6-12 months to increase its commercial lending volume.
- Enhancement of Customer Relationship Management (CRM): Implementing a robust CRM system can enable Hoyne Bancorp to better understand and serve its customers. By tracking customer interactions, preferences, and needs, Hoyne can personalize its services and offerings, leading to increased customer loyalty and cross-selling opportunities. The CRM market is well-established, offering a range of solutions for banks. Timeline: Hoyne can implement and integrate a CRM system within the next 9-12 months to improve customer engagement and retention.
- Geographic Expansion within the Chicago Metropolitan Area: Hoyne Bancorp can explore opportunities to expand its branch network within the Chicago metropolitan area. By strategically locating new branches in underserved communities or high-growth areas, Hoyne can increase its market presence and customer base. The demand for local banking services remains strong in many parts of the region. Timeline: Hoyne can conduct market research and identify potential expansion locations within the next 12-24 months, followed by phased branch openings.
What Are HYNE's Competitive Advantages?
- Long-standing history and established presence in the Chicago area.
- Strong customer relationships built over decades of service.
- Local market expertise and personalized banking approach.
- Diversified loan portfolio mitigating risk.
What Does HYNE Do?
Hoyne Bancorp, Inc., established in 1887, functions as the bank holding company for Hoyne Savings Bank, delivering a suite of financial products and services to its clientele. Headquartered in Chicago, Illinois, the bank has a long-standing history within the community. Hoyne Savings Bank provides a variety of deposit accounts, including NOW accounts, money market accounts, savings accounts, and certificates of deposit. These offerings cater to both individual and commercial clients, forming the foundation of their banking operations. In addition to deposit services, Hoyne Bancorp, Inc. extends credit through several loan products. Their loan portfolio includes commercial real estate loans, encompassing commercial construction, commercial and industrial loans, one-to-four residential properties, home equity loans, lines of credit, and other consumer loans. This diversified lending approach allows Hoyne to serve a broad spectrum of borrowing needs within its market. The company's focus remains on traditional banking services within the regional banking sector, emphasizing personalized customer relationships and local market expertise. With 73 employees, Hoyne Bancorp maintains a community-focused approach to banking, leveraging its long history and local presence to foster customer loyalty and drive sustainable growth.
What Products and Services Does HYNE Offer?
- Operates as the bank holding company for Hoyne Savings Bank.
- Offers NOW, money market, savings, and certificates of deposit accounts.
- Provides commercial real estate loans, including commercial construction.
- Offers commercial and industrial loans.
- Provides one to four residential property loans.
- Offers home equity loans and lines of credit.
- Provides other consumer loans.
How Does HYNE Make Money?
- Generates revenue through interest income from loans.
- Earns fees from deposit accounts and other banking services.
- Manages risk through diversified loan portfolio.
- Focuses on serving the Chicago metropolitan area.
What Industry Does HYNE Operate In?
Hoyne Bancorp, Inc. operates within the competitive regional banking sector, characterized by established players and increasing fintech disruption. The industry is influenced by interest rate environments, regulatory changes, and economic conditions. Regional banks like Hoyne play a crucial role in providing localized financial services, including loans and deposit accounts, to communities and small businesses. The market is seeing increased competition from larger national banks and online lenders, requiring regional banks to innovate and differentiate their offerings to maintain market share. Hoyne's long-standing history and local presence provide a foundation for navigating this evolving landscape.
Who Are HYNE's Key Customers?
- Individuals seeking deposit accounts and personal loans.
- Small and medium-sized businesses requiring commercial loans.
- Real estate developers needing financing for construction projects.
- Homeowners looking for mortgage and home equity products.
Company Profile
Hoyne Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Oak Park, US. The company is led by CEO Walter F. Healy. HYNE has traded publicly since 2025.
Key Financial Metrics
Return on equity for Hoyne Bancorp, Inc. stands at -0.2%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -0.0%, showing how much profit it generates from its asset base. Its free cash flow yield is -1.7%, a gauge of the cash the business throws off relative to its market value. Its earnings yield is -0.2%, the inverse of the P/E and a quick read on earnings relative to price.
HYNE Valuation & Market Position
With a $123M market cap, Hoyne Bancorp, Inc. sits in the micro-cap segment of the market. Relative to its peer group, HYNE's quantitative score of 37/100 is below the peer average of 91/100.
Quarterly Financial Performance: Hoyne Bancorp, Inc.
Revenue for Hoyne Bancorp, Inc. came in at $5.8M during Q2 2026, a 4.9% improvement versus the preceding quarter. The company recorded net income of $96K, with diluted EPS of $0.01. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Financial Services. Across the four most recent quarters, HYNE averaged $0.01 in diluted EPS.
Financial Health
Hoyne Bancorp, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.64 places it in the distress zone, a signal of elevated financial risk.
HYNE Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Long-standing history and reputation in the Chicago area.
- Diversified loan portfolio.
- Strong customer relationships.
- Local market expertise.
Bear Case
- Small market capitalization.
- Low profit margin.
- Limited geographic reach.
- High P/E ratio.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $6M | $96,000 | $0.01 |
| Q1 2026 | $6M | -$118,352 | -$0.02 |
| Q4 2025 | $6M | $201,604 | $0.02 |
| Q3 2025 | $5M | $70,063 | $0.01 |
Based on FMP financials and quantitative analysis
HYNE Latest News
No recent news available for HYNE.
HYNE Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HYNE.
Price Targets
Wall Street price target analysis for HYNE.
HYNE MoonshotScore
What does this score mean?
The MoonshotScore rates HYNE 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Walter F. Healy
CEO
Walter F. Healy serves as the CEO of Hoyne Bancorp, Inc., leading the company's strategic direction and overseeing its banking operations. His background includes extensive experience in the financial services industry, with a focus on community banking and commercial lending. Healy's expertise encompasses financial management, risk assessment, and regulatory compliance. He has held various leadership positions in regional banks prior to joining Hoyne Bancorp, bringing a wealth of knowledge and industry insights to the role. His educational background includes a degree in finance and certifications in banking management.
Track Record: Under Walter F. Healy's leadership, Hoyne Bancorp, Inc. has focused on maintaining its strong presence in the Chicago area and enhancing its customer relationships. Key initiatives have included streamlining banking operations and expanding commercial lending activities. Healy has emphasized the importance of local market expertise and personalized customer service in driving the bank's growth. He manages 73 employees.
Common Questions About HYNE (Financial Services)
What does the AI Score mean for HYNE?
HYNE holds an AI Score of 37/100 (Grade: D). This is an educational research signal, not a buy or sell recommendation. Hoyne Bancorp, Inc. operates as the holding company for Hoyne Savings Bank, providing a range of financial products and services. The company focuses on deposit accounts and various loan types …
What does Hoyne Bancorp, Inc. Common Stock do?
Hoyne Bancorp, Inc. operates as the bank holding company for Hoyne Savings Bank, providing a range of financial products and services to individuals and businesses in the Chicago metropolitan area. Its primary activities include accepting deposits, originating loans, and providing other banking services.
What do analysts say about HYNE stock?
Analyst coverage of Hoyne Bancorp, Inc. Common Stock (HYNE) is limited, given its small market capitalization and regional focus. Key valuation metrics, such as the P/E ratio of 541.9, suggest a high valuation relative to current earnings, reflecting investor expectations of future growth.
What are the main risks for HYNE?
Hoyne Bancorp, Inc. faces several risks inherent to the regional banking sector. Competition from larger national banks and online lenders poses a significant threat to its market share. Interest rate fluctuations can impact its lending margins and profitability. Regulatory changes, such as increased capital requirements, can increase compliance costs.
How is Hoyne Bancorp, Inc. Common Stock adapting to fintech disruption?
Hoyne Bancorp, Inc. is adapting to fintech disruption by enhancing its digital banking services and exploring strategic partnerships with fintech companies. The company is investing in user-friendly online and mobile platforms to attract and retain customers who demand convenient digital banking solutions.
What regulatory challenges does Hoyne Bancorp, Inc. Common Stock face?
Hoyne Bancorp, Inc. faces various regulatory challenges common to the banking industry. These include compliance with capital requirements, consumer protection laws, and anti-money laundering regulations. The company must maintain adequate capital levels to absorb potential losses and ensure financial stability. It must also adhere to strict consumer protection laws to safeguard customer interests and prevent unfair lending practices.
What are the key factors to evaluate for HYNE?
Hoyne Bancorp, Inc. (HYNE) holds an AI score of 37/100 (low). P/E: 541.9x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does HYNE data refresh on this page?
HYNE's price was last updated on Aug 20, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven HYNE's recent stock price performance?
Hoyne Bancorp, Inc. (HYNE) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Long-standing history and reputation in the Chicago area. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Limited analyst coverage for this stock.
- Financial data based on available public information.